13827 — Tioga County, New York Market Snapshot
Housing market data for zip code 13827 in Tioga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$239,500
Days to Sell
74
Homes Sold
14
Inventory
19
Sale-to-List
99.5%
New Listings
21
Price/SqFt
$125
Pending Sales
23
Conforming Loan Available
Most homebuyers in 13827 can comfortably use conventional financing. The median home price of $239,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 74 days on average, 13827 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 13827 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 13827 can comfortably use conventional financing. The median home price of $239,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 13827 are set at the county level.
2026 Loan Limits — Tioga County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 13827
To purchase the median home at $239,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,985.
Monthly Payment
$1,985
Income Required
$85,070
Principal & Interest
$1,476/mo
Down Payment (5%)
$11,975
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 13827.
Estimated Monthly Payment
$1,632
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